Understanding Credit Repair

We’ll show you how to dispute inaccuracies on your credit report for free, build your credit confidence and provide tools to keep you on the right track.

Manage Your Credit Report Information

When you hire a credit repair company for a fee, they generally offer services that include disputing information with the credit reporting agencies. If you think something on your report is inaccurate, you can take control of your credit information yourself. It’s fast, easy and secure to dispute yourself — and best of all, it’s completely free. Let’s get started:

Credit Repair Red Flags

Many services offered by credit repair companies are available to you directly through TransUnion for FREE. Not all credit repair companies are bad, but some may be trying to take advantage of you. You can learn more about credit repair organizations and what to do if you’ve been misled by visiting the Federal Trade Commission website below.

Here are some signs a credit repair organization may NOT have your best interests in mind:


  • Guarantee results
  • Demand payment up front
  • Have you dispute accurate information
  • Advise you to ignore credit reporting agencies
  • Don’t explain your rights to you
  • Ask you to lie
What You Need to Know:

The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 to assess your creditworthiness.

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